Cheap Car Insurance Santa Barbara compared auto insurance rates in the city of Santa Barbara, CA to identify the cheapest insurers and the rates they offer. The car insurance rates vary for a driver age / driver sex but the biggest impact on costs is variability in companies quotes. The highest quote in Santa Barbara, CA, for example was $5,928 or 500% higher than the cheapest car insurance company’s quote of $1284. This is exactly why we compel you should always get quotes from at least three companies so they can be compared. Use our form here to get multiple car insurance quotes at one place with just 4 one word questions answered, and that too instantly.